Private & Hard Money Lenders in Cape Girardeau County, MO
3 lenders funded 46 short-term investment-property loans in Cape Girardeau County in 2024 at a median rate of 8.25%. Ranked by verified loan volume — not paid placement.
Cape Girardeau County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Southern Bank | 34 | 8.25% | 18 |
| 2 | FIRST STATE COMMUNITY BANK | 7 | 8.50% | 26 |
| 3 | Banterra Bank | 5 | 7.90% | 1 |
DSCR / long-term rental lenders in Cape Girardeau County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
3 lenders reported short-term, business-purpose investment loans in Cape Girardeau County in 2024 verified lending records — 46 loans totaling $8.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cape Girardeau County's active lenders was 8.25% in 2024, with per-lender medians ranging from 7.90% to 8.50%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.